As far as I am aware God hasn't revoked His first commandment! I.e. Go forth and multiply and fill the earth etc. If He has then as a father of 4 now we didn't get the memo.
The Bible also tells us that children are a gift from the Lord and blessed is the man (including woman) whose quiver is full of them and no matter how empty my wallet may be my heart never is!
Should we have them if we can't afford them? The world will tell us YES and condemn us as being irresponsible if we think otherwise, but we all belong to God, He has a plan and purpose for each and every one of us so who are we to determine this?
Also if you are a believer we are told to consider the lilies of the field and the birds of the air who neither toil nor reap and God provides all their needs. The same applies to us regardless of how many mouths we have to feed. Everything belongs to Him and He gives freely.
Jacob had 12 sons and who knows how many daughters, grandkids etc. and God fed them all in Egypt during a famine thanks to his 11th son Joseph! Imagine if he had decided to stop at 2 or 4 or 10 just because the world around him told him he was being irresponsible having so many kids. They'd all have perished and along with them the 12 tribes of Israel!
Egypt was their welfare state but only because God made it so through Joseph an 11th child. So let the rich feed the poor when necessary because they are only rich by God's hand not their own anyway (no matter what their arrogance may tell them)!
As for me and my house I have a good job (for now) praise God and we pay our way, but we also receive money from the government for our children, money I have paid in taxes over the years and continue to do so. We take out no more than we pay in and my children will pay for my state pension when I am older. So let's not throw our babies out with their bath water and forget that with an ever aging population our future depends on them!
The question shouldn't be if WE can afford them it should be can God afford them? The answer of course is YES. The problem is not one of affordability it is one of greed as too few have too much and too many have too little! God has provided sufficient resources, more than enough for all but our distribution methods are crooked and morally indefensible which is why Jesus said the poor will always be with us even unto the end of the age!
No, we shouldn't stop having kids! That is Satan's agenda! He hates humans because God created and loves us! He's already got us believing that contraception and abortion are acceptable and now he wants to cull us due to finances? Another fine example of money being the root of all evil!